Call reports 2022
CITIZENS BANK AND TRUST COMPANY — 2022
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,024,592,000 | 998,831,000 | 994,300,000 | 968,802,000 |
| Total loans | 467,296,000 | 471,356,000 | 459,485,000 | 468,625,000 |
| Allowance for loan losses | 6,310,000 | 6,389,000 | 6,416,000 | 6,050,000 |
| Securities available for sale | 251,868,000 | 240,868,000 | 228,710,000 | 227,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 900,729,000 | 879,801,000 | 868,960,000 | 838,674,000 |
| Interest-bearing deposits | 653,455,000 | 647,597,000 | 657,337,000 | 606,022,000 |
| Noninterest-bearing deposits | 247,274,000 | 232,204,000 | 211,623,000 | 232,652,000 |
| Equity capital | 92,191,000 | 89,375,000 | 90,307,000 | 91,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,711,000 | 12,392,000 | 21,808,000 | 31,962,000 |
| Interest expense | 298,000 | 676,000 | 1,513,000 | 3,040,000 |
| Net interest income | 5,413,000 | 11,716,000 | 20,295,000 | 28,922,000 |
| Noninterest income | 2,555,000 | 4,994,000 | 7,363,000 | 10,845,000 |
| Noninterest expense | 6,528,000 | 13,344,000 | 19,818,000 | 30,969,000 |
| Provision for loan losses | 11,000 | 29,000 | 50,000 | -320,000 |
| Pretax income | 1,429,000 | 3,337,000 | 7,790,000 | 9,118,000 |
| Income tax | 295,000 | 700,000 | 1,713,000 | 2,117,000 |
| Net income | 1,134,000 | 2,637,000 | 6,077,000 | 7,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,233,000 | 94,775,000 | 98,236,000 | 98,426,000 |
| Total capital | 99,543,000 | 101,164,000 | 104,652,000 | 104,476,000 |
| Risk-weighted assets | 576,890,000 | 585,885,000 | 573,703,000 | 584,586,000 |